President hoover's refusal to provide funds for the unemployed during the depression was based on his belief that
a. the unemployment situation was not serious.
b. workers would not accept government assistance.
c. labor unions should provide for the unemployed.
d. federal relief programs would destroy individual initiative.

The answer is letter d. federal relief programs would destroy individual initiative. Hoover was afraid that individual initiative would be lost if government intervened on the problem.  He thought that individuals needed to be more active to solve this problem.  However, even Hoover saw the need to intervene but it was too late.